Just like human fingerprints--or an individual's body shape and build--no two businesses are exactly alike.

The number of workers employed, the type of job each person performs, the risks associated with each occupation, and a company's history of safety are among the key characteristics that agents and underwriters examine when writing workers' compensation coverage. Because every employer is unique, LWCC tailors each workers' comp policy to fit the policyholder's needs.

If you are looking for a true partner when it comes to workers' comp insurance, LWCC offers a customized package that can result in lower costs and improved safety in your company's workplace. Here are just a few of the reasons you should make LWCC the choice for your business.

Strength and Stability

When evaluating workers' compensation insurance coverage for your business and employees, you can count on LWCC's healthy financial position. While there may be other carriers from which to choose, none can match LWCC's commitment to developing strong partnerships with its policyholders. As a testament to its strength and stability, LWCC...

• Has returned $121.8 million in dividends to policyholders over the past six years;
• Has lowered overall rates by more than 53% since inception in 1992;
• Is rated "A" (Excellent) by A.M. Best, the largest and longest-established company devoted to issuing financial strength ratings of insurance carriers;
• Has been named by Ward Group as one of the top 50 (out of approximately 3,000) U.S. property-casualty insurers for eight straight years;
• Insures about 20,000 policyholders throughout Louisiana and is the number one workers' comp insurer in the state;
• Offers competitive pricing and is committed to exceptional customer service; and
• Focuses on the economic stability of Louisiana.

Loss Prevention Services

Helping make workplaces as safe possible for employees, LWCC's safety and loss prevention experts offer a wealth of services and resources to its policyholders. To name just a few of these value-added benefits, LWCC...

• Has the largest, most experienced on-staff team of loss prevention consultants in Louisiana;
• Provides workshops, safety reference materials, and 24/7 online training at no additional charge;
• Employs safety consultants with expertise in a variety of industries; and
• Annually awards its "Safest 70" policyholders with special recognition for maintaining consistent workplace safety histories.

Risk Management Services and OMNET^®

At LWCC we realize that a perfect safety record is not always possible and that on-the-job accidents do occur. But we also know that by providing outstanding service in our claims and risk management departments, we can help you manage your workers' comp costs. To deliver on this promise to our policyholders, LWCC...

• Works with OMNET^®, a statewide occupational medicine network of more than 2,000 doctors and other medical specialists, to provide the best care possible for injured workers;
• Offers 24/7 online claims reporting;
• Contacts policyholders and injured workers within 24 hours of a reported accident to arrange on-site investigations;
• Encourages and promotes a safe and speedy return to work for injured workers; and
• Helps policyholders control costs by closely monitoring all aspects of active claims.

In-house Legal and Fraud Units

Having a fully staffed legal department at our corporate headquarters is a unique benefit LWCC offers its policyholders if a dispute ever arises as a result of a claim. Additionally, LWCC actively pursues, investigates, and prosecutes violations of workers' comp fraud, which ultimately helps control the cost of coverage for all employers. With on-site legal and fraud units, LWCC...

• Provides policyholders the services of in-house attorneys specializing in defending state workers' compensation, longshore, and employer's liability cases;
• Pursues third-party subrogation recovery for LWCC and its policyholders; and
• Investigates workers' compensation insurance fraud to help drive down overall costs to Louisiana employers.

Comprehensive Online Services

Managing workers' compensation often can be confusing and time-consuming for employers. To make the process as hassle-free and streamlined as possible for our policyholders, LWCC...

• Offers 24/7 access to up-to-date account information via LWCC Interactive, a password-protected, secure Web site for both policyholders and our agent partners;
• Provides convenient online payment options in addition to traditional payment methods; and
• Offers free informational resources available on our Web site, www.lwcc.com.